Hampton drivers pay an average of $1,817/year — $46 more than the national average. With 1,762 crashes per year and a 3.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $665/year.
(888) 217-6781Estimated full coverage auto insurance rates for Hampton, VA from top carriers. Rates are adjusted for Hampton's 1,762 annual crashes, 3.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $605 | $101/mo |
| GEICO | $687 | $114/mo |
| Progressive | $775 | $129/mo |
| State Farm | $851 | $142/mo |
| Allstate | $1,033 | $172/mo |
Estimates based on 2026 rate filings for ZIP 23668. USAA is cheapest at ~$101/mo. Actual rates vary by driver profile and exact Hampton location.
These Hampton-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Hampton, VA. Takes under 2 minutes.
(888) 217-6781Hampton is a mid-size city in Virginia with a population of 137,148. While it avoids the extreme congestion of larger metros, Hampton has its own risk factors — growing commuter traffic, expanding development, and hurricanes, nor'easters, flooding, thunderstorms, ice — that shape local auto insurance rates. Drivers in Hampton typically pay close to the Virginia state average, with significant variation by ZIP code and neighborhood.
For official Virginia insurance regulations, visit the Virginia Bureau of Insurance. For driver licensing, see the Virginia DMV.
Your specific ZIP code within Hampton can swing your premium by hundreds of dollars. Here's how rates compare across Hampton neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 23680 | Hampton South Side | $1,727/yr | $144/mo |
| 23669 | Hampton North Side | $1,737/yr | $145/mo |
| 23680 | Hampton West Side | $1,771/yr | $148/mo |
| 23678 | Hampton East Side | $1,861/yr | $155/mo |
| 23668 | Hampton Downtown/Central | $1,953/yr | $163/mo |
The cheapest ZIP is 23680 (Hampton South Side) at $1,727/yr. The most expensive is 23668 (Hampton Downtown/Central) at $1,953/yr — a $226/year difference for the same driver.
Your Hampton ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Hampton. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,816/yr | $318/mo | +110% vs avg |
| Young Adult (20-25) | $2,544/yr | $212/mo | +40% vs avg |
| Adult (26-35) | $1,817/yr | $151/mo | 0% vs avg |
| Mid-Career (36-50) | $1,599/yr | $133/mo | -12% vs avg |
| Senior (51-65) | $1,508/yr | $126/mo | -17% vs avg |
| 65+ | $1,617/yr | $135/mo | -11% vs avg |
Teens in Hampton pay an average of $3,816/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,508/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Virginia cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Hampton drivers can save up to $665/year. ZIP 23680 (Hampton South Side) has the lowest rates starting at $1,727/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes